Owner-Occupied Commercial Real Estate Loans in California
Purchase or refinance the property your business operates from, with competitive rates and terms built for owner-users.
Why Own Your Business Property?
If your business currently rents its operating space, purchasing the property can offer significant long-term advantages. You build equity instead of paying a landlord, lock in your occupancy costs, and gain control over your business environment.
Owner-occupied commercial real estate loans are specifically designed for businesses buying or refinancing the properties they work from. Because lenders view owner-occupied properties as lower risk, you often qualify for better rates and more flexible terms compared to pure investment property financing.
Property Types That Qualify
- Office buildings and professional suites
- Retail storefronts and shopping centers
- Industrial and warehouse facilities
- Medical and dental offices
- Mixed-use properties (owner-occupied majority)
- Restaurants and hospitality venues
The Process
Tell me about your business, the property, and your goals.
I evaluate conventional and SBA options to find the best fit.
We prepare your application package and submit to the right lender.
You close on your property and take control of your business space.
Frequently Asked Questions
Frequently Asked Questions
Ready to Own Your Business Property?
Tell me about your business and the property you have in mind.